Most people are at least peripherally aware that agencies track their financial history and that it impacts their future investing moves. Such an important document should be regularly monitored.
There are 3 national credit bureaus in the United States. These agencies collect data from banks, credit card companies, government, and other sources to track your history with liabilities.
Your history of liability repayment can be a significant determinant of which products and services are available to you and at what cost (interest rates).